Findara's Privacy Policy

Personal Information We Collect

Personal identification information is data that can be used to identify or contact you.

In order to provide and improve our services, we collect personal information. Most of the information we have is provided to us by the dealership and/or collected directly through the use of our services, emails, web applications, and phone calls.

Examples of the types of personal information Findara may collect include:

• When an account is transferred to Findara, the dealer may provide a variety of information including, but not limited to, full name, date of birth, social security number, phone number, address, email address, and vehicle information.
• We may collect information you provide to us directly when you contact us by phone, email, SMS, web application, or another channel. For example, when you access Findara web applications and fill out a form or sign up for a payment plan, you may provide your first and last name, email address, mailing address, phone number, and/or other personal identifying information.
• When you access our web applications we may collect a variety of information and store it in log files, including, but not limited to, Internet Protocol (IP) address, browser type and language, Internet service provider (ISP), type of computer operating system, date/time stamp, user interface interaction data such as mouse clicks or navigation on our emails and web applications, uniform resource locator (URL) information showing where you came from or where you go next, email open rates, and credit card or bank account information.

Using Personal Information

We use personal information to properly identify the specific consumers for whom we provide our services, to provide and improve our services, to analyze trends, administer our web applications, learn about user behavior on our emails and web applications, comply with state, federal, and local laws, and demonstrate compliance with those laws.

Examples of how Findara uses personal information include:

• We use personal information to send you communications about your account.
• We use your personal information to verify your identity. For example, when you contact our office, you may be asked to provide your full name, address, email address, or other identifying information so we can verify your identity and account. You can always refuse to supply personal information, except that we may not be able to communicate if we are unable to verify your identity and/or account.
• We use personal information to process payments and other account activity you authorize.
• We use personal information to help us create, develop, and improve our content and services, including through internal auditing and data analysis.
• If you apply for a job at Findara, we use the information we receive to evaluate your candidacy and contact you.

In all of our emails we use pixel tags. Depending on your email provider, pixel tags can enable us to tell whether the email has been opened. If you prefer not to be tracked in this way, you should not open our emails.

In most of our email messages, we use a “click-through URL” linked to webpages on the Findara site and, in some cases, to third-party sites. We track this click-through data to help us determine interest in particular topics and measure the effectiveness of our customer communications. If you prefer not to be tracked in this way, you should not click text or graphic links in our email messages.

Findara's web applications may also use cookies to gather information so that we can improve the effectiveness of our services. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent, but some parts of the website may not function properly without accepting cookies.

Findara web applications do not recognize or act on “do not track” requests from a browser. The information we receive through tracking is treated as non-personal information unless local law requires us to treat it as personal information. Additionally, if this information is combined with personal information, we treat the combined information as personal information for the purposes of this Privacy Policy.

Sources of Personal Information

We receive your personal information from the party we acquired the contract from, such as the dealership where you purchased your vehicle.

We also receive information directly from you through phone calls, email correspondence, and visits to our web applications.

We sometimes receive information from third-party vendors who help us confirm the validity of our information as it relates to addresses, phone numbers, bankruptcy, and deceased information.

If you are a potential candidate for employment with Findara, we may have received your personal information from a recruiter or external website.

Disclosure to Third Parties

We only share personal information with a limited number of third-party service providers who help us provide our services, including, but not limited to, payment processing, mailing, information verification, managing and enhancing customer data, and improving our products and services. When we share information, we require those third parties to handle it in accordance with relevant laws. We also only share the minimum amount of information necessary for the particular third party to assist us in providing our services.

Examples of how Findara shares personal information include:

• For payment processing, we share your credit card or bank information with the card-issuing bank to complete the payment you authorized.
• For content delivery, we share your email address, physical address, or phone number with the delivery service to deliver any communication, message, or requested account documents.
• For collectability, we share name and address to ensure no bankruptcy, deceased, address, or phone number changes have occurred since we received the account.
• For debt collection licensing, we share account information with state regulators conducting an audit pursuant to state or federal licensing statutes.
• We may be required by law enforcement or judicial authorities to provide information. We will disclose personal information pursuant to a court order, subpoena, or to cooperate with a law enforcement investigation.
• We may also be required by law to provide your information to a local, state, or federal government authority or court. We will only disclose information in these instances when there is a lawful basis or when disclosure is reasonably necessary to demonstrate compliance with the law.

In the event of a reorganization, merger, or sale, we may transfer any and all personal information we collect to the relevant third party.

We may share generic aggregated demographic information not linked to any personally identifiable information with our clients, potential clients, and federal, state, and local regulators regarding visitors and users, and their interaction with our products and services.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

No Sale

We do not sell personal information. We do not allow our third-party service providers to sell this information or otherwise use it for marketing purposes.

Integrity and Retention of Personal Information

Findara will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and comply with law. When assessing these periods, we retain information only for the shortest possible period unless a longer retention period is required by law.

Access to Personal Information

You can help ensure that your contact information and preferences are accurate, complete, and up to date. You can view your account information through links in a Findara email.

To request that we correct inaccurate data, reply to the Findara email, email [email protected], or call (248) 945-9300. You can also request that we delete the data if we are not required to retain it for legitimate business purposes or by law.

How We Protect Your Information

Findara is serious about data security. We seek to implement best practices in data collection, storage, processing, and security to protect against unauthorized access and disclosure. Findara protects your personal information during transit using encryption such as Transport Layer Security (TLS) and at rest using encryption such as AES 256. When your personal data is stored by Findara, we use computer systems with limited access housed in facilities using physical security measures.

Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100 percent secure. While we strive to protect your information, you acknowledge that there are security and privacy limitations beyond our control, that the security, integrity, and privacy of information exchanged between Findara and our customers cannot be fully guaranteed, and that such information and data may be viewed or tampered with in transit by a third party.

Third Party Websites

You may find links to third-party websites on the Findara web applications. We do not control the content or links that appear on those sites and are not responsible for the practices employed by websites linked to or from our site. In addition, those sites or services, including their content and links, may be constantly changing. Those sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website is subject to that website's own terms and policies.

How We Delete

We are required to keep your data due to the underlying contractual relationship between you and the creditor. We are also required to keep personal information for legal reasons for as long as the statute of limitations period lasts for the type of account in collections and for other statutory obligations that may be longer, such as a state licensing statute requiring us to maintain records for a certain period of time or the statute of limitations for a consumer financial law.

Once our legal obligation to keep your personal information has expired, we delete the information from our systems in accordance with our data retention policies and procedures.